Motorcycle Insurance Arkansas: How to Get the Best Rates

Motorcycle Insurance Liberty copy

The Arkansas State instrument is the fiddle, how delightful! But don’t fiddle with your Arkansas motorcycle insurance. Let’s work together to make some incredible music in the form of an affordable premium.

Motorcycle Insurance Arkansas: Cost for Liability Only

Did you know that Arkansas is the 25th State in the US, and the flag even has 25 stars on it? Remember those numbers…

Now you’re on the road cruising on your bike and need Arkansas motorcycle insurance. The basic super cheap car insurance. We can help you find that!

The answer is Liability only insurance.

What does that involve?

The basic liability limit for Arkansas motorcycle insurance requirements is 25/50/25. Easy to remember with the above factoid huh? But what does it mean?

$25,000 for death or bodily injury to one person;

$50,000 for death or bodily injury to two or more persons; and

$25,000 for damage or destruction of property.

Arkansas CityAverage Monthly Payment
Bryant$125.00
Fayetteville$126.00
Arkadelphia$109.00
Mountain Home$133.00
Warren$104.00
Bella Vista$99.00
Fort Smith$122.00
North Little Rock$117.00

Motorcycle Insurance Arkansas: Laws You Need to Know

To keep riders safe, Arkansas has laws pertaining to the operation of a motorcycle.

  • Though head protection is not a requirement unless you are under 21…it is recommended that you wear a helmet for the duration of your ride as well as eye protection. You might be thinking this won’t offer much in the way of protection in the case of an accident, but statistics show a helmet will keep your skull intact during most accidents. What is a MUST is eye protection!
  • Like a roller coaster, there are age requirements if not a height requirement. Passenger laws in Arkansas dictates that a passenger who is younger than 8 years of age cannot ride along. Sorry kids! This is typically due to height. Why? If an individual has a passenger, footholds must be installed so that they can be secured in place. For a child, they would not be able to reach foothold for safety. Even if somehow you have a giant for a child, chances are their weight will disqualify them all the same. Some things just need to be left to the grown ups.
  • Teenagers can’t ‘Fonzie’ down the road either, if you are 16 years of age or younger operating a motorcycle… you are not allowed to have a passenger.
  • Lane Splitting? Yes Please! A beautiful advantage to being on the open road on a motorcycle is splittin’ them lanes like a boss! If you find yourself stuck in slow moving traffic you can whip around lanes to get ahead. In Arkansas there are no laws against it! But be warned, you can be pulled over if your riding is endangering or antagonizing other drivers. Naughty Biker!
  • Lastly keep, keep your headlights on. Day or Night. Rain or Shine.

For more check out this helpful Arkansas motorcycle guide here.

Motorcycle Safety
Arkansas does not require motorcyclists to wear a helmet unless they are under the age of 21. But see the benefits of a helmet… Click to enlarge

Motorcycle Insurance Arkansas: Which companies Offer It?

Progressive, Dairyland, Geico, and Farmers are the companies that offer Arkansas motorcycle insurance. While we don’t work with GEICO (they use “captive agents” learn more here!), we work with over 13 providers that could possibly be the perfect fit for you.

Give us a call and we will generate a free quote for you. Our incredibly talented staff will get you on the road.


Motorcycle Insurance Arkansas: State Requirements

StateState MinPIP?
Arkansas25/50/25N/A

Motorcycle Insurance in Arkansas: Discounts You Might Be Missing Out On

Defensive driving courses, bundling with auto and home, and other discounts can get your insurance premiums even better! Bundling has been used as marketing ploy, but it really does save you big time!

Discount Types
Vehicle Usage & Mileage
Garaged or locked storage
Years of riding experience
Advanced quote
Education discount
Prior insurance
Paperless
MC Endorsement on License
Association membership
HOG Discount
EFT Discount
Operators Safety Course
prompt payment
Married discount
Approved safety course
Anti lock brakes
Homeownership Discount
Motorcycle Rider Group Discount

Motorcycle Insurance Arkansas: How do you get a license?


Lookin for adventure? Head out on the Highway! But wait, you don’t have your motorcycle permit? Then sit down, you’re not going anywhere!

To earn your Arkansas motorcycle permit you are going to need to pass three tests. A written test, a skills test, and a vision screening test. $40.00 later you’ve got your Class M motorcycle license in Arkansas. No. A regular drivers license does not grant you the legal right to drive a motorcycle on the roads in Arkansas.

Motorcycle Insurance Arkansas: Cheapest Rates (by city)

Many things impact what your insurance rate will be, some of them are quite surprising.

What is your age? This affects the rate. Are you married, single, or divorced? This affects the rate. Do you have a souped up bat-mobile? This affects the rate. Even the city you live in affects the rate. Locals with higher populations carry a greater risk for accidents and thus higher insurance premium. What about cities in Arkansas?

CityPrice
CrossettDairyland
TexarkanaProgressive
BeebeGeico
JacksonvilleGeico
RussellvilleGeico
Little RockThe General
OsceolaGeico
BentonvilleGeico
GreenbrierThe General
North Little RockGeico
ViloniaGeico
Bella VistaDairyland
Heber Springs and FarmingtonThe General
BerryvilleProgressive
FayettevilleGeico
MagnoliaDairyland
MenaThe General
ConwayGeico
Mountain HomeGeico
Prairie GroveGeico
GibsonProgressive
AlmaProgressive
DardanelleDairyland
BryantDairyland
Pea RidgeGeico
Cherokee VillageProgressive
WardProgressive
CentertonProgressive
Hot Springs VillageProgressive
RogersProgressive
RockwellGeico
HaskellProgressive
LowellDairyland
ParagouldThe General
HarrisonDairyland
Pine BluffDairyland
Fort SmithGeico
HopeDairyland
SheridanProgressive
MalvernGeico
WarrenProgressive
JonesboroGeico
BlythevilleGeico
De QueenGeico
MonticelloDairyland
PocahontasFarmers

Motorcycle Insurance Arkansas: Safety Tips

As mentioned above there are certain freedoms granted to an individual who operates a motorcycle and is over the age of 21. But, there are definitely things to keep in mind that will protect your passenger, your fellow drivers, and yourself.

One key element to that end is simply: space. Keep a reasonable buffer between yourself and other vehicles on the road. If you pass in front of another give plenty of room so there is no risk of a collision.

“Look twice, save a life,” is a popular motorcycle safety adage.

You can help in this process by making sure you are visible to other drivers around you. Ensure that you are visible before moving into a motorist’s blind-spot.

Motorcycle Insurance Arkansas: Rating Factors

There are many factors that contribute to the rating of your motorcycle insurance in Arkansas.

Location is one of these factors, cities higher in population density for example would be more expensive. Why is that? The more populated an area, the higher the risk for accidents.

Another factor is age, young drivers have a higher percentage of accidents than older drivers. Even gender plays a roll with woman consistently paying less for insurance than males.

Are you seeing a pattern?

Driving history
Year make model)
Education level
Coverages
Riding frequency
Rider experience
Rider age
Location
Gender
Occupation. Credit
Marital status
Type of bike (engine size

It is all about numbers and statistics. Are there rating factors you can control? Sure! For example your driving history. Clean drivers have significantly less premiums than individuals with moving violations. Good credit as well has an impact, someone with good credit is dependable in the eyes of an insurance carrier.

Cost for Motorcycle Insurance (Full coverage) in Arkansas

Full Coverage is simply electing to add Comprehensive and Collision to your policy. This protects your auto from multiple damages that you might not be able to cover yourself. To that end, think about the deductible you will aim for.

What is a deductible?

A deductible is the amount of money you are willing to pay for damages to your covered auto. It is after that amount has been paid that your full coverage insurance kicks in to pay the remaining amount.

So, for example your bike is damaged and the repairs are $2,500 with a Full coverage deductible of $500. You’d pay the $500 and then your insurer pays the $2,000.

CityPrice
Malvern$210
Bentonville$194
Gibson$239
Fayetteville$228
Magnolia$215
Bryant$239
Stuttgart$216
Dardanelle$228
Berryville$213
Mena$191
Cabot$208
North Little Rock$218
Searcy$185
Hot Springs Village$187
Walnut Ridge$208
Batesville$216
West Memphis$204
Wynne$204
Trumann$221
Little Rock$187
Crossett$231
Blytheville$181
Haskell$200
Morrilton$228
Vilonia$197
Paragould$209
Pine Bluff$191
Camden$187
Mountain Home$210
Greenwood$213
White Hall$204
Siloam Springs$205
Heber Springs and Farmington$198
Piney$232
Russellville$237
Osceola$236
Greenbrier$178
Jonesboro$180
Texarkana$230
Hope$206
Pocahontas$224
East End$224
Ward$182
Maumelle$225
El Dorado$194
Prairie Grove$228
Sheridan$186
Monticello$198
Fort Smith$188
Springdale$189
De Queen$203
Warren$189
Arkadelphia$204
Bella Vista$192
Rogers$201
Forrest City$193
Cherokee Village$192
NOTE: The higher your deductible the lower your monthly rate will be.

Motorcycle Insurance Arkansas motorcycle insurance arkansas Frequently Asked Questions

1. Do you need motorcycle insurance in Arkansas?

Yes. It is required in the State of Arkansas that all operators of a motorcycle have a Class M License. You can take a free practice test here: FREE PRACTICE TEST

2. How much should you pay for motorcycle insurance in Arkansas?

This all depends on the coverages you opt in for. Do you need full coverage because you are still paying on the bike? Would you like Roadside options? Perhaps rental assistance? All of these factors and more combine to make your rate. The choice is yours.

3. What is the cheapest motorcycle insurance in Arkansas?

Liability Only Motorcycle Insurance could be the cheapest option for you, it simply covers damages you may inflict on others. Yet, this option may cause you to pay way more if your auto sustains damages while you are still paying for it.

4. What insurance do motorcycles need in Arkansas?

Atleast the basic liability limits required by the state. 25/50/25 which means:

$25,000 for death or bodily injury to one person; $50,000 for death or bodily injury to two or more persons; and $25,000 for damage or destruction of property.

Insurance Arkansas: Other Helpful Links
Arkansas General Insurance Guide
Homeowners Insurance in Arkansas
SR-22 Insurance in Arkansas
Moving? Other States We Serve

Last Updated on by Shawn Christie